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Several years ago, I had an idea about how to earn some fast cash. Since four-wheel-drive vehicles—like Jeeps and SUVs— sell for a premium in Colorado, I thought I’d buy one in the Midwest, drive it home, and sell it for a profit. A day into my search, I discovered a sporty pickup with low mileage and a five-speed manual transmission. On the outside, the cardinal-red paint was impeccable. The 3.0...